Having received my certificate of completion last week I was stunned to see that I dropped off the insolvency register the following day ! unfortunately my Experian report has not updated yet, anyone any idea how long this will take? I have read advice that states to send a copy of the certificate t...

did you drop off the register that quickly ? I thought you had to stay on for 3 months ?

font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade> Originally posted by 12 months to go Well done 2 e1var and congratulations Which iva co where you with and how long after your last payment did you get your certificate Next wek will be 6 months since I made my last paymen...

After starting my IVA in January 2006 I finally received my certificate of completion today
VAT was the main delay.
I had to insist 3 times that there was no PPI to claim but once confirmed in writing I got my certificate in less than a week !!!

Thanks Melanie, this is the third time I have told them, hopefully it will register this time !

okay so now I'm told they can't complete due to PPI. I'm disgusted as I've heard nothing from them since March when they stated they were just waiting VAT claims. I have never been mis-sold PPI, I always requested it to ensure I was covered. Can I be forced to make a false claim ?

Is anyone on here getting their certificate of completion through from Nuttalls. My IVA finished in January 2011, I was a little behind and made my final payment in June. I know that VAT slowed things down but 12 months later it's getting a little silly !

Richard

Just cleaning up my credit file and being quite successful but I'm a bit stuck with an old O2 account, now sold to Lowell Group. Be great if you could answer a few questions. The entry under O2 on my file is green and settled, Lowell is in default. O2 never defaulted the account, although I'm sure t...

My Iva is almost complete, just waiting for HMRC VAT rebate [:(!] Decided to check my credit file. Found a value of £500 on there relating to Blackhorse which was included in my original IVA agreement. Rang them up and they said it had been sold on !!! Shock Horror !!! Wrote a letter on Monday expla...

font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade> Originally posted by Gareth Please note we are not taking our time with your closure, it is that we are unable to progress your IVA case further until we have received the VAT refund from HMRC. Sorry Gareth but that is not...

1.As far as I can tell IP's can still claim back the VAT on a closed case. 2. My IP have made no effort to communicate any of this (January 2011 I last heard from my IP with the exception of the PPI letter) 3. It has been almost 6 months since my last payment 4. Keeping cases open is at the discreti...

font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade>Originally posted by MelanieGiles

It will be many months before the VAT issue is fully resolved in my opinion - and we all do have to move on at the same time.

b***** hell, I hope not !

Bit more digging reveals that VAT is only on the IP's charges. Advice to the IP's is to keep cases open but it is entirely at the discretion of the IP and they can review on a case by case basis from http://www.icaew.com/technical/insolvency/~/media/Files/Technical/Insolvency/insolvency-sig/iva.ashx...

My delay is due to VAT as mentioned. Had no notification or explanation prior to this, very disappointing.

Now I think about it PPI was definately not mis sold to me. In cases it was offered and willingly accepted, I'm not self employed nor am I affected by any of the other reasons for claiming I have heard mentioned elsewhere. Is there a legal deadline from the point at which you make final payment to w...